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T Court for the * District of Minnesota. Hartford Fire Insurance Company, * * Appellee/Cross-Appellant. * Submitted: May 11, 2010 Filed: April 8, 2011 Before BYE, MELLOY, and SHEPHERD, Circuit Judges. BYE, Circuit Judge. These appeals involve an insurance coverage dispute over commercial crime insurance Hartford Fire Insurance Company issued to Pioneer Industries. After Pioneer's chief financial officer (CFO) died, Pioneer discovered he had embezzled more than.

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